Common use of NEWBORN COVERAGE Clause in Contracts

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of fifty thousand dollars (US$50,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, a Changes and Additions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Changes and Additions Application, birth certificate, and premium payment are required. The addition of adopted children, children born as a result of a fertility treatment, and children born by a surrogate mother are subject to under- writing. A Changes and Additions Application and a copy of the birth certificate must be submitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is limited to a maximum benefit of five (5) visits within six (6) months of the child’s delivery. 8 | TERMS AND CONDITIONS

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of fifty thirty thousand dollars (US$50,00030,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, a Changes and Additions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children babies born before the parent’s policy has been in effect for at least ten (10) consecutive consec- utive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Changes and Additions ApplicationAppli- cation, birth certificate, and premium payment are required. The addition of adopted childrenchil- dren, children born as a result of a fertility treatment, and children chil- dren born by a surrogate mother are subject to under- writingunderwriting. A Changes and Additions Application Appli- cation and a copy of the birth certificate must be submitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is limited to a maximum benefit of five only covered as stated in 4.1 (5) visits within six (6) months of the child’s delivery. 8 | TERMS AND CONDITIONSb).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of fifty thousand dollars (US$50,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, a Changes and Additions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition addi- tion of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Changes and Additions ApplicationAppli- cation, birth certificate, and premium payment are required. The addition of adopted childrenchil- dren, children born as a result of a fertility treatment, and children chil- dren born by a surrogate mother are subject to under- writingunderwriting. A Changes and Additions Application Applica- tion and a copy of the birth certificate certif- icate must be submitted in these cases, which will be subject to the standard underwriting procedures. . (c) Well baby care is limited to a maximum benefit of five (5) visits within six (6) months of the child’s delivery. 8 | TERMS AND CONDITIONS.

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of fifty thousand dollars (US$50,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, a Changes and Additions Addi- tions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition addi- tion of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Changes and Additions ApplicationAppli- cation, birth certificate, and premium payment are required. The addition of adopted childrenchil- dren, children born as a result of a fertility treatment, and children chil- dren born by a surrogate mother are subject to under- writingunderwriting. A Changes and Additions Application Applica- tion and a copy of the birth certificate certif- icate must be submitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is limited to a maximum benefit of five (5) visits within six (6) months of the child’s delivery. 8 | TERMS AND CONDITIONS.

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of fifty thirty thousand dollars (US$50,00030,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, a Changes and Additions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition of children babies born before the parent’s policy has been in effect for at least ten (10) consecutive consecu- tive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Changes and Additions ApplicationApplica- tion, birth certificate, and premium payment are required. The addition of adopted childrenchil- dren, children born as a result of a fertility treatment, and children chil- dren born by a surrogate mother are subject to under- writingunderwriting. A Changes and Additions Application Applica- tion and a copy of the birth certificate certifi- cate must be submitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is limited to a maximum benefit of five only covered as stated in 4.1 (5) visits within six (6) months of the child’s delivery. 8 | TERMS AND CONDITIONSb).

NEWBORN COVERAGE. (a) Provisional coverage: If born from a covered pregnancy, each newborn will automatically be covered for complications at birth and for any injury or illness during the first ninety (90) days after birth, up to a maximum of fifty thousand dollars (US$50,000) with no deductible. If not born from a covered pregnancy, there is no provisional coverage for the newborn. (b) Permanent coverage: i. Automatic addition: For the purpose of adding a newborn child to the parent’s policy without underwriting, the parent’s policy must have been in effect for at least ten (10) consecutive calendar months. To be added, a copy of the birth certificate including the newborn’s full name, gender, and date of birth must be submitted within ninety (90) calendar days of birth. If the birth certificate is not received within ninety (90) calendar days of birth, a Changes and Additions Addi- tions Application is required for the addition and will be subject to underwriting. The premium for the addition is due at the time of the notification of birth. Coverage with applicable deductible will then be effective as of the date of birth up to the policy limits. ii. Non-automatic addition: The addition addi- tion of children born before the parent’s policy has been in effect for at least ten (10) consecutive calendar months is subject to underwriting. To be added to their parent’s policy, a completed Changes and Additions ApplicationAppli- cation, birth certificate, and premium payment are required. The addition of adopted children▇▇▇▇- ▇▇▇▇, children born as a result of a fertility treatment, and children ▇▇▇▇- ▇▇▇▇ born by a surrogate mother are subject to under- writingunderwriting. A Changes and Additions Application Applica- tion and a copy of the birth certificate certif- icate must be submitted in these cases, which will be subject to the standard underwriting procedures. (c) Well baby care is limited to a maximum benefit of five (5) visits within six (6) months of the child’s delivery. 8 | TERMS AND CONDITIONS.